Ogden FHA Loan Rates, Closing Costs & Stats

OGDEN-CLEARFIELD, UT

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Ogden's 115 lenders originated 2,657 FHA loans during 2024. The total origination value was $1,098,585,000, with an average FHA loan value of $413,468.

Ogden FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Ogden averaged -0.04% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

Ogden's average FHA mortgage closing costs are $10,880.

The average rate for the prior week (2025-06-27) was 6.65% and one month ago for the week of 2025-05-30, the average rate was 6.42%.

The average rate one year ago was 6.44%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.32%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Ogden FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Ogden level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 374 6.00% $15,451
GUILD MORTGAGE COMPANY 199 6.27% $17,648
INTERCAP LENDING INC. 138 6.31% $15,230
QUICKEN LOANS, LLC 136 6.10% $15,839
Century Mortgage Company DBA Century Lending Company 115 6.07% $15,323
Plains Commerce Bank 75 6.41% $18,020
FIRST COLONY MORTGAGE CORPORATION 73 5.97% $16,856
CASTLE & COOKE MORTGAGE, LLC 59 6.34% $17,073
RANLIFE, INC. 56 6.03% $18,610
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 51 6.29% $15,628
FREEDOM MORTGAGE CORPORATION 49 6.33% $17,183
SECURITYNATIONAL MORTGAGE COMPANY 46 6.38% $17,837
PENNYMAC LOAN SERVICES, LLC 45 5.89% $13,821
CLM MORTGAGE, INC 42 5.85% $16,964
BROKER SOLUTIONS, INC. 39 6.61% $16,643
The Loan Store, Inc. 36 6.08% $16,961
Bank of Utah 34 6.25% $11,256
Paramount Residential Mortgage Group, Inc. 33 6.54% $15,729
LAKEVIEW LOAN SERVICING, LLC 29 6.08% $10,928
MY MOVE MORTGAGE, LLC 28 6.01% $18,509
GOLDENWEST 27 5.94% $13,511
PRIMARY RESIDENTIAL MORTGAGE, INC. 24 6.53% $13,232
CANOPY MORTGAGE, LLC 23 6.13% $16,595
PLAZA HOME MORTGAGE, INC. 23 6.81% $14,685
PRIMELENDING, A PLAINSCAPITAL COMPANY 22 6.28% $17,299
MOUNTAIN AMERICA 22 5.55% $13,715
NEWREZ LLC 22 6.01% $14,621
CROSSCOUNTRY MORTGAGE, LLC 22 6.30% $17,946
LOANDEPOT.COM, LLC 20 6.03% $16,641
SECURITY HOME MORTGAGE, LLC. 16 6.23% $18,811
HOMEAMERICAN MORTGAGE CORPORATION 16 4.41% $10,842
DIRECT MORTGAGE, CORP. 16 6.20% $15,157
Equity Prime Mortgage LLC 15 7.37% $17,747
Mr. Cooper ( Nationstar Mortgage ) 14 6.39% $18,648
AMERICAN PACIFIC MORTGAGE CORPORATION 14 6.59% $13,531
ON Q FINANCIAL, INC. 13 6.31% $14,214
ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.28% $12,418
CMG MORTGAGE, INC. 12 6.14% $15,458
JMAC LENDING, INC. 12 5.92% $14,077
INSPIRE HOME LOANS INC. 12 5.60% $17,830
Carrington Mortgage Services, LLC 10 6.21% $18,459
VAN DYK MORTGAGE CORPORATION 10 6.29% $13,567
AMERICA FIRST 9 6.72% $14,468
Hometown Equity Mortgage, LLC 9 6.15% $16,540
VILLAGE CAPITAL MORTGAGE 8 6.23% $12,085
AMERICAN FINANCING CORPORATION 8 5.89% $16,913
AMERISAVE MORTGAGE CORPORATION 8 6.09% $17,424
GUARANTEED RATE, INC. 8 6.15% $14,145
GARDNER FINANCIAL SERVICES, LTD. 7 6.45% $21,287
LOANPAL, LLC 7 5.70% $16,514
Flagstar Bank, FSB 7 6.32% $12,224
GUARANTEED RATE AFFINITY, LLC 6 6.08% $16,489
MICHIGAN MUTUAL, INC. 6 5.69% $18,765
American Mortgage & Equity Consultants, Inc. 6 6.29% $21,406
AMERICAN FINANCIAL NETWORK, INC. 6 6.96% $15,683
CARDINAL FINANCIAL 6 6.10% $16,843
CITY FIRST MORTGAGE SERVICES, L.L.C. 6 6.71% $14,647
Sierra Pacific Mortgage Company, Inc. 6 6.21% $14,299
PLANET HOME LENDING, LLC 5 5.37% $13,977
Franklin Loan Corporation 5 5.95% $16,604
MORIA DEVELOPMENT, INC. 5 6.73% $14,740
VERITAS FUNDING, LLC 4 6.16% $19,226
BAY EQUITY LLC 4 5.91% $13,024
AmeriHome Mortgage Company, LLC 4 6.47% $7,240
SWBC MORTGAGE CORPORATION 4 6.38% $9,767
Utah Mortgage Loan Corporation 4 6.38% $10,346
AXIA FINANCIAL, LLC 3 6.42% $15,318
CORNERSTONE HOME LENDING, INC. 3 6.54% $12,014
SUN WEST MORTGAGE COMPANY, INC. 3 6.50% $12,199
MID AMERICA MORTGAGE, INC. 3 6.13% $18,353
NATIONS RELIABLE LENDING, LLC 3 5.96% $12,714
Network Funding, L.P. 3 6.17% $12,069
U.S. Bank 3 5.67% $12,156
TOP FLITE FINANCIAL, INC. 3 6.08% $18,516
HOMESIDE FINANCIAL, LLC 3 6.38% $16,847
CITYWIDE HOME LOANS, LLC 2 6.81% $19,085
AMERICAN FINANCIAL RESOURCES, INC. 2 6.00% $27,946
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.50% $18,879
KeyBank 2 5.75% $22,193
PREMIA MORTGAGE, LLC 2 6.50% $12,090
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.56% $14,458
ZILLOW HOME LOANS, LLC 2 6.13% $14,336
Glacier Bank 2 6.63% $14,899
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.00% $14,156
CYPRUS Federal Credit Union 2 5.75% $14,181
SUN AMERICAN MORTGAGE COMPANY 2 6.38% $16,205
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.56% $16,321
V.I.P. MORTGAGE, INC. 2 7.25% $14,433
Zions Bank 1 7.13% $11,413
Barrington Bank & Trust Company, N.A. 1 6.00% $17,578
BETTER MORTGAGE CORPORATION 1 6.50% $9,006
CALCON MUTUAL MORTGAGE LLC 1 6.75% $17,950
City Lending Inc. 1 7.75% $23,368
Cornerstone First Mortgage, Inc 1 6.25% $16,230
D. L. Evans Bank 1 5.75% $11,985
EAGLE HOME MORTGAGE, LLC 1 4.99% $14,386
EVERETT FINANCIAL, INC. 1 6.38% $14,340
Goldwater Bank, N.A. 1 6.25% $13,134
LADERA LENDING, INC. 1 6.25% $17,028
Meridian Bank Corporation 1 6.25% $18,293
MORTGAGEONE, INC. 1 6.13% $9,189
Mortgage Research Center, LLC 1 5.75% $7,650
NBKC BANK 1 5.49% $11,445
NORWICH COMMERCIAL GROUP, INC. 1 5.75% $6,556
NP, Inc. 1 6.13% $11,807
OPEN MORTGAGE, LLC 1 5.63% $10,598
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.25% $17,496
Prosperity Home Mortgage, LLC 1 6.25% $11,533
SCENIC OAKS FUNDING, INC. 1 5.75% $20,277
Summit Mortgage Corporation 1 6.13% $17,678
The Federal Savings Bank 1 6.13% $25,689
UNION HOME MORTGAGE CORP. 1 6.63% $17,184
UTAH COMMUNITY 1 6.13% $10,111
Waterstone Mortgage Corporation 1 7.13% $19,597
ALAMEDA MORTGAGE CORPORATION 1 6.75% $20,155

The top Ogden FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 374 FHA loans originated. Their average total fees are $15,451, which is $2,196 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Ogden FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($10,842), LAKEVIEW LOAN SERVICING, LLC ($10,928), Bank of Utah ($11,256), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($12,418) and PRIMARY RESIDENTIAL MORTGAGE, INC. ($13,232).

The lowest rate Ogden FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.41%), MOUNTAIN AMERICA (5.55%), INSPIRE HOME LOANS INC. (5.60%), CLM MORTGAGE, INC (5.85%) and PENNYMAC LOAN SERVICES, LLC (5.89%).

Ogden FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
OGDEN-CLEARFIELD, UT BOX ELDER 2020 $646,300 $827,400 $1,000,100 $1,242,900
OGDEN-CLEARFIELD, UT DAVIS 2020 $646,300 $827,400 $1,000,100 $1,242,900
OGDEN-CLEARFIELD, UT MORGAN 2020 $646,300 $827,400 $1,000,100 $1,242,900
OGDEN-CLEARFIELD, UT WEBER 2020 $646,300 $827,400 $1,000,100 $1,242,900
OGDEN-CLEARFIELD, UT BOX ELDER 2023 $744,050 $952,500 $1,151,400 $1,430,900
OGDEN-CLEARFIELD, UT DAVIS 2023 $744,050 $952,500 $1,151,400 $1,430,900
OGDEN-CLEARFIELD, UT MORGAN 2023 $744,050 $952,500 $1,151,400 $1,430,900
OGDEN-CLEARFIELD, UT WEBER 2023 $744,050 $952,500 $1,151,400 $1,430,900

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).